Credit Risk Strategy Data Scientist

San Jose, CA - USA

Monthly Salary: Not Disclosed

Posted on: 30+ days ago

Vacancies: 1 Vacancy

Job Summary

Innovate with purpose

At BILL we believe in empowering the businesses that drive our economy. By replacing outdated financial processes with innovative tools we help businessesfrom startups to established brandsmake smarter decisions and gain control of their operations. And we dont stop there: were creating the future of financial automation so businesses can spend more time on what matters.

Working here means you become part of a vision-driven team thats ready to tackle challenges and build cutting-edge solutions. We value purpose drive and curiosityand we thrive in a fast-paced ever-changing environment. Whether in one of our offices in San Jose CA Draper UT or working remotely BILLders collaborate to deliver real impact for businesses that need more time in their busy weeks.

BILL builds high performing teams and we seek to hire the best talent for every role. Were committed to building a workplace that fosters inclusion and diverse perspectives valuing each persons unique skills and experiences. Wed love to hear from youyou might be just what were looking for whether in this role or another.

Lets give businesses more time for what matters.

What Youll Do

Lead the way: Drive the development maintenance and refinement of risk strategy frameworks and complex rules to achieve ambitious business goals.
Be a data detective: Use advanced analytics and data science techniques to solve complex business problems. This includes building sophisticated SQL/Python scripts interpreting results and influencing decision-making with your findings.
Collaborate and create: Partner with cross-functional teams including product engineering and operations to identify new opportunities establish business requirements and guide the execution of strategies across the customer lifecycle.
Build powerful tools: Develop flexible performance dashboards and monitoring tools using platforms like Tableau to provide clear actionable insights to a variety of audiences.
Stay ahead of the curve: Identify and execute new opportunities to optimize processes and proactively detect and respond to evolving risk trends.
Mentor and grow: Help mentor and support junior team members to help them achieve their goals.

What Were Looking For

Proven experience: Minimum of 3 years of experience in fraud or credit risk strategy within the fintech e-commerce or online payments industry.
Technical expertise: Proficiency in SQL and Python with a strong ability to work with large complex datasets and leverage data science libraries.
Analytical mindset: Demonstrated ability to use statistics and data science to solve complex ambiguous problems and drive data-driven decisions.
Exceptional communication: Ability to clearly and concisely communicate complex results to both technical experts and business leaders.
Hands-on experience: Direct experience with developing and deploying data-driven and automated monitoring rules and the ability to find and recommend enhancements for existing processes.

Bonus Points

Experience in experimental design and data/control governance.
Knowledge of fraud typologies such as onboarding fraud/abuse.
Experience with customer management or collections strategies for credit products like revolving credit cards or merchant cash advances.

Visa Sponsorship:Please note that this position is not eligible for visa sponsorship. Applicants must have authorization to work in the United States without requiring visa sponsorship now or in the future.

The estimated salary range for this role is noted below for our San Jose based role. Our ranges for each role and job level are based on a variety of factors including candidate experience expertise and geographic location and may vary from the amounts listed above. The role is also eligible for a competitive benefits package that includes: medical dental vision life and disability insurance 401(k) retirement plan flexible spending & health savings account paid holidays paid time off and other company benefits.

San Jose pay range

$126900$151800 USD

Whats in it for you

Redefining how businesses automate their work is a fast-paced exciting and fun environment. But we also have benefits and perks to ensure the magic isnt only experienced by our customers but by our employees as well.

Here is a preview of some of the amazing benefits here at BILL:

100% paid employee health dental and vision plans (choose HMO PPO or HDHP)
HSA & FSA accounts
Life Insurance Long & Short-term disability coverage
Employee Assistance Program (EAP)
11 Observed holidays and wellness days and flexible time off
Employee Stock Purchase Program with employee discounts
Wellness & Fitness initiatives
Employee recognition and referral programs
And much more

Dont believe us Check out our culture benefits and teams on our career site LinkedIn Life or YouTube pages.

BILL is an Equal Opportunity Employer. We believe our best ideas come from the unique stories perspectives and experiences of our team members. We welcome people of all backgrounds abilities and identities to bring their authentic selves and contribute to our culture.

We are committed to a transparent inclusive hiring process that reflects our values. If you need accommodations at any stage please contact .

Our Applicant Privacy Notice describes how BILL treats the personal information it receives from applicants.

Innovate with purposeAt BILL we believe in empowering the businesses that drive our economy. By replacing outdated financial processes with innovative tools we help businessesfrom startups to established brandsmake smarter decisions and gain control of their operations. And we dont stop there: were ...